No sane person looks forward to paying for insurance, especially when they are aware that they could find better rates elsewhere.
Because there are so many online and local companies to choose from, it can be hard to pick the lowest cost company.
It’s a great practice to price shop coverage yearly because insurance prices change regularly. Even if you think you had the lowest quotes for S-10 Blazer coverage on your last policy you will most likely find a better rate today. Ignore everything you know about insurance because we’re going to demonstrate the right way to eliminate unnecessary coverages and save money.
When shopping for the cheapest insurance quotes, there are a couple of ways to compare quotes from local insurance coverage companies. The fastest way to find competitive 2002 Chevy S-10 Blazer insurance rates is to use the internet to compare rates. It’s really quite simple and can be done in a couple of different ways.
However you get your quotes, make sure you are using the same deductibles and coverage limits for each quote you get. If you are comparing mixed coverages it will be nearly impossible to determine which rate is truly the best. Even a minor difference in insurance coverages or limits could skew the results. And when quoting insurance coverage, remember that having more price comparisons gives you a better chance of getting a lower rate than you’re paying now. Some smaller insurers to not give quotes online, so it’s necessary to compare price quotes from the smaller companies as well.
Insurance can cost an arm and a leg, but there may be some discounts that many consumers don’t even know exist. Certain discounts will be triggered automatically at quote time, but a few need to be inquired about before you will receive the discount. If you do not double check each discount available, you are throwing money away.
While discounts sound great, it’s important to understand that many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky.
Some of the insurance companies who might offer some of the above discounts include:
When getting free insurance quotes, it’s a good idea to all the companies which discounts you may be entitled to. Some discounts listed above may not apply in your area. For a list of auto insurance companies that can offer you the previously mentioned discounts, click here.
When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions may help you determine if you may require specific advice.
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.
Having a good grasp of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on most insurance policies.
Liability – Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability coverage pays for claims such as attorney fees, medical expenses, court costs and structural damage. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.
Collision coverages – Collision insurance will pay to fix damage to your S-10 Blazer resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision insurance covers things such as hitting a parking meter, colliding with a tree, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.
Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Chevy S-10 Blazer.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as rehabilitation expenses, chiropractic care and ambulance fees. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Comprehensive insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as hitting a deer, damage from getting keyed, falling objects, fire damage and damage from a tornado or hurricane. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.